The top-rated supplemental insurance agent in Bluffton, South Carolina is Carolina Heritage Insurance, rated 5.0 stars across 273 reviews. Other highly rated options include Brightway Insurance, The BDIM Agency, John Mallett - State Farm Insurance Agent, AreYou64 - 64 Insurance Group (Bluffton, SC). This directory lists 20 supplemental insurance agents serving Bluffton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carolina Heritage Insurance | 198 Okatie Village Dr #102 | (843) 689-3030 |
| 2 | Brightway Insurance, The BDIM Agency | 102 Buckwalter Pkwy Suite 3Z | (843) 480-9933 |
| 3 | John Mallett - State Farm Insurance Agent | 15 Mallett Wy | (843) 815-4888 |
| 4 | AreYou64 - 64 Insurance Group (Bluffton, SC) | 110 Traders Cross | (843) 781-6464 |
| 5 | Hilton Head Insurance & Brokerage | 14 Westbury Pk Wy Suite 200 | (843) 252-0840 |
| 6 | GSP Insurance Group | 8 Buckingham Plantation Dr | (843) 707-4473 |
| 7 | Abbi Keen - State Farm Insurance Agent | 152 State St Suite 102 | (843) 836-9900 |
| 8 | Kevin Sevier - State Farm Insurance Agent | 301 Buckwalter Place Blvd | (843) 837-2886 |
| 9 | Shield Assurance Insurance Inc | 204 Bluffton Rd | (803) 674-5706 |
| 10 | Palmetto Bluff Insurance Agency Inc | 110 Traders Cross | (843) 592-3705 |
Carolina Heritage Insurance serves Bluffton, South Carolina, providing supplemental insurance agent services. It helps residents address financial gaps left by primary health plans, offering tailored coverage for unexpected medical costs and income loss. The agency works with individuals to select plans that fit personal situations and budgets. Common needs include covering deductibles and out-of-pocket expenses that major medical policies do not fully address. Medicare supplement plans and accident insurance are two specific services it handles in this area.
Brightway Insurance, The BDIM Agency in Bluffton, SC serves homeowners and property managers who need supplemental coverage beyond a standard policy. It also assists businesses with gap protection plans that help fill deductibles or coverage limits. The agency explains policy options clearly so clients can choose the right additional insurance for their needs. It also extends its supplemental insurance services to the nearby Hilton Head Island area.
John Mallett - State Farm Insurance Agent serves as a supplemental insurance agent in the Bluffton, SC area, providing a range of services that includes Medicare supplement policies, critical illness coverage, and accident insurance. It offers these supplemental plans to help clients fill gaps left by primary health insurance. The agency also provides regular policy reviews to ensure coverage remains aligned with changing needs. Its services support single-family homes, apartments, retail businesses, and restaurants.
AreYou64 - 64 Insurance Group serves Bluffton and the surrounding Lowcountry communities of South Carolina. It handles supplemental insurance policies such as Medicare supplements, hospital indemnity, and dental plans for local residents. The office provides personalized guidance for clients navigating their coverage options. For a typical enrollment, the agent reviews individual healthcare needs, explains available plan differences, and assists with the application paperwork to ensure the policy fits the client's specific situation.
Hilton Head Insurance & Brokerage in Bluffton, SC, distinguishes between one-time enrollment for immediate needs and ongoing policies with recurring premium payments. Supplemental insurance covers gaps left by major medical plans, such as accident, critical illness, or hospital indemnity benefits. This firm helps residents evaluate these options to strengthen their financial protection against unexpected healthcare costs. Services for policy selection and plan review generally run on a one-time or as-needed basis, with scheduled renewal support available upon request.
GSP Insurance Group focuses on supplemental insurance policies that bridge coverage gaps left by major medical plans, offering clients in Bluffton enhancements for unexpected health events. Its general service work involves helping individuals understand and select supplementary plans suited to their existing healthcare needs. Located in Bluffton, the agency guides residents through open enrollment periods, particularly addressing concerns about rising out-of-pocket costs during the winter flu season.
As the coastal climate shifts and seasonal tourism increases in Bluffton, residents often reassess their current coverage for unexpected medical costs. Abbi Keen - State Farm Insurance Agent serves the local community as a supplemental insurance agent, helping clients explore plans that address gaps left by primary health policies or Medicare. General offerings in this area focus on protecting assets and managing out‑of‑pocket expenses. The first step towards determining suitable options typically involves a complimentary in‑person or virtual assessment of an individual’s existing coverage and personal financial goals.
Kevin Sevier – State Farm Insurance Agent in Bluffton, SC assists clients with primary insurance coverage needs. The agency also specializes in supplemental insurance add-ons designed to fill gaps in standard policies. These supplemental plans can cover expenses that primary health or property insurance may not address. Services are available to local businesses, including offices, warehouses, and food service operations.
Shield Assurance Insurance Inc serves residents in Bluffton, South Carolina, with supplemental insurance policies designed to fill coverage gaps. The company also offers commercial supplemental plans for local businesses operating in the surrounding Lowcountry area. Agents work with clients to understand existing health or life coverage before recommending appropriate policy additions. Ongoing customer follow-up is provided between regular visits to adjust options or address changing needs, ensuring policies stay aligned with current circumstances.
What Does a a Supplemental Insurance Agent in Bluffton Cost?
Costs for supplemental insurance in South Carolina vary by plan type age and location. Medigap Plan G premiums in Bluffton typically range from 120 to 250 per month for a 65 year old. Medicare Advantage plans may have 0 monthly premium but include cost sharing. This is general information not insurance advice.
About supplemental insurance agents in Bluffton
Supplemental insurance agents in Bluffton South Carolina help residents choose Medigap or Medicare Advantage plans that fill coverage gaps. South Carolina law requires Medigap policies to follow federal standardized benefit plans A through N. Local agents can explain how these plans work with Original Medicare and assist with enrollment during open enrollment periods.
Frequently Asked Questions
What is the best time to enroll in a supplemental insurance plan in Bluffton?
The best time is during your Medigap open enrollment period which starts when you are 65 and enrolled in Medicare Part B. In South Carolina this period lasts six months and during this time you cannot be denied coverage due to health conditions. Missing this window may result in higher premiums or denial based on medical underwriting.
Are Medigap plans guaranteed issue in South Carolina?
Yes but only during specific circumstances. South Carolina follows federal rules that guarantee issue for Medigap plans A B C D F G K L M and N during open enrollment. Outside of that period insurers can use medical underwriting to deny coverage or charge higher rates.
Can a supplemental insurance agent help with Medicare Advantage plans in Bluffton?
Yes many supplemental insurance agents also sell Medicare Advantage plans. These plans are an alternative to Medigap and include Part D drug coverage. Agents can compare local options in Beaufort County including HMO and PPO plans available in the Bluffton area.
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